TW201627933A - Customer-to-customer audio/video/graphics/text service transaction management system - Google Patents

Customer-to-customer audio/video/graphics/text service transaction management system Download PDF

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TW201627933A
TW201627933A TW104102436A TW104102436A TW201627933A TW 201627933 A TW201627933 A TW 201627933A TW 104102436 A TW104102436 A TW 104102436A TW 104102436 A TW104102436 A TW 104102436A TW 201627933 A TW201627933 A TW 201627933A
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Taiwan
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transaction
service
supplier
demander
customer
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TW104102436A
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Chinese (zh)
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Ren-Chang Wang
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Ren-Chang Wang
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Priority to TW104102436A priority Critical patent/TW201627933A/en
Priority to KR1020160007898A priority patent/KR20160091834A/en
Priority to JP2016011919A priority patent/JP2016139409A/en
Priority to EP16152586.0A priority patent/EP3048572A1/en
Priority to US15/006,432 priority patent/US20160217438A1/en
Publication of TW201627933A publication Critical patent/TW201627933A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks

Abstract

Disclosed is a customer-to-customer transaction management system, of which transaction targets are services of image, voice, graphics, and texts that are transmittable through a network. For example, for a person who can only speak Chinese and sits in a taxi in Mexico, translation is required in order to get back to the hotel. However, it is expensive to retain an accompanying translator and may not be timely. By accessing the present system, a number of translators who are familiar with both Chinese and Spanish stand by on line for providing services so that a demander may make selection based on conditions, such as capability, charges, and evaluation results, and agree to pay with credit card, to acquire real-time translation service through a video function transmitted through the Internet. The system comprises five sections including a main control module, a supply module, a demand module, a data transmission platform, and a charge paying and receiving system. The main control module allows a supplier and a demander to register information and match mutual conditions for both parties, and is connected to the charge paying and receiving system to provide debit management for receiving and paying the charge for the service and makes use of facial or vocal pattern recognition to confirm the identity of the supplier and also records the process of the service for directly controlling and managing the quality of transaction contents and also sets initial free-charge hours for the service so as to allow for real experience for the non-physical merchandise of video/audio service, without unnecessary blind transaction. The system also provides a cost arbitration arrangement to fairly handle charge issue after the transaction and also provides a delicate evaluation system to allow the supplier and demander to carefully inspect the opposite side. As such, all sorts of intelligent workers are provided timely opportunities of work and all sorts of intelligence demanders may timely acquire the intelligence at a reduced cost so as to make human intelligence to be quickly spread and circulated around and thus making the world better.

Description

個 人對個人影音圖文服務交易管理系統Personal audio-visual graphic service transaction management system

本發明是一種藉由網路服務的管理系統,尤其涉及高效率、低爭議方式,進行個人對個人以影像、語音、圖、文作服務的交易管理。 The invention is a management system for network services, in particular, relates to a high-efficiency, low-controversial manner, and performs transaction management of individuals, individuals, images, voices, pictures, and texts.

目前網路交易興盛,尤其是買賣雙方都容易進入,交易成本也低的拍賣網站,幾乎是「什麼都賣,什麼都不奇怪」,促成世界各地、各種商品,以較低的交易成本快速流通,這種個人對個人或稱消費者對消費者(C To C)交易,對個人商務運作幫助很大,但大都只是做有實體商品的買賣,至於以影像、語音、圖、文的翻譯、示範、指導、說明等服務性交易,就很難在現有的C To C網站作交易。現有在網路線上即時以影音圖文作服務的交易,都只有以商業對消費者(B To C)模式作經營,例如律師事務所推出線上法律諮詢,補習班或家教中心推出線上個人教學等,其原因在於該服務標的無實體,且通常屬智慧財產權的專業服務,需要專業機構介入審查供應者的能力、督導供應品質等。該類服務若以目前的C To C模式作交易,糾紛必多,例如在網路上點選翻譯服務,需求者同意付費後方知翻譯者能力太低,毫無作用,但供應者認為是需求者的口音太重,講不清才很難翻譯;此情況若改採交易後付費制,需求者不付費的機率高,供給者可能白做工,同樣有糾紛,即使採延後給付的第三方支付方式,也因難分誰 是誰非分,最後費用應如何支付的爭議仍大。 At present, online transactions are booming, especially for auction sites where both buyers and sellers are easy to enter and the transaction costs are low. It is almost "anything is sold, nothing is strange", which has led to the rapid circulation of goods and goods around the world at a lower transaction cost. This kind of personal-to-person or consumer-to-consumer (C To C) transaction is very helpful to personal business operations, but most of them only do business with physical goods. As for translation of images, voices, pictures and texts, Demonstrating, guiding, explaining and other service transactions make it difficult to trade on existing C To C websites. Existing transactions that use audio-visual graphic services on the Internet are only operated in the business-to-consumer (B To C) model, such as law firms launching online legal counseling, tutoring classes or tutoring centers to launch online personal teaching, etc. The reason is that the service target has no entity, and is usually a professional service of intellectual property rights. It requires professional institutions to intervene to review the supplier's ability and supervise the supply quality. If such services are traded in the current C To C mode, there will be many disputes. For example, if you click on the translation service on the Internet, the demander agrees to pay and knows that the translator is too low and has no effect, but the supplier considers it to be a demander. The accent is too heavy to be translated. If the transaction is changed after the transaction, the probability of the demander not paying is high, the supplier may work in white, and there is also a dispute, even if the third party pays after the delay. Way, also because of who is difficult to divide The dispute over who is not divided, and how the final fee should be paid is still large.

鑒於過去在網路以影像、語音、圖、文作服務的交易,若在目前的C To C模式作交易,糾紛必多,所以有必要提供一種新資訊管理系統作改善。本系統基本設計是讓供應者與需求者,在網路連線下操作交易條件,系統搓合雙方條件後,即可作線上即時服務。本系統讓全世界以影音圖文作服務的提供者,到本系統登錄其供給意願及相關資料,形成龐大供給資料庫,需求者到本系統可在眾多的供應者中,篩選符合需求的人與條件做交易,又藉由網際網路的傳輸,交易標的可以立即顯示或即時運用,並利用遠距支付系統,讓需求者付費方便、供給者收費穩當。在這過程中,本系統利用電腦方便紀錄、快速對比的特性,紀錄交易者的特徵與服務內容,留作辨識與檢驗,可有效管理品質,一改過去C To C交易模式無法直接管理商品品質致糾紛多,而使得在網路作影音圖文服務的交易無法盛行。 In view of the past transactions in the network with video, voice, graphics, and text services, if there is a lot of disputes in the current C To C mode, it is necessary to provide a new information management system for improvement. The basic design of the system is to enable suppliers and demanders to operate trading conditions under the network connection. After the system meets the conditions of both parties, the online service can be made online. This system allows the world's providers of audio-visual graphic services to log in to the system to supply their willingness and related materials, forming a huge supply database, and the demanders to the system can select those who meet the needs among many suppliers. By trading with the conditions and transmitting via the Internet, the subject matter of the transaction can be immediately displayed or used immediately, and the remote payment system is utilized, so that the demander can conveniently pay and the supplier charges are stable. In this process, the system uses the characteristics of computer to facilitate record and quick comparison, record the characteristics and service content of the trader, and keep it for identification and inspection. It can effectively manage the quality. It can not directly manage the quality of goods in the past C To C transaction mode. There are many disputes, and the transactions that make video and audio services on the Internet cannot be popular.

一種資訊管理系統,包括:主控模組,用於連結供應者模組、需求者模組、資料傳輸平台與費用收支管理系統,對供需雙方資料作審核、辨識、驗證、篩選、搓合,以及品質管理與帳務管理;供應者模組,用於讓有意提供服務者登記基本資料、錄下做為辨識身分的人臉影像或語音樣本、具母語程度的語言種類及其腔調、可服務之專長與等級及可驗證之資料、願意定時或不定時服務的時段、願意服務對象的條件、收費條件、願意公開的個人資料、願意免費服務的最初時間數、當交易總價達一定數額,且需求者不滿意服務時,是否接受變更費用的仲裁、其他有助於服務的資料、搜尋需求者主動公開等待服務的事項;需求者模組,用於讓服務需求 者登錄基本資料、錄下做為驗證身分的語音或影像樣本、母語及其腔調、需求事項、所需專長與等級、需用時間、提供者必備條件、願意付費條件、搜尋符合需求的供應者、主動公開等待服務的事項。另有費用收支系統與作連結,可讓需求者以遠距付費。 An information management system comprising: a main control module for connecting a supplier module, a demander module, a data transmission platform and a fee income and expenditure management system, for reviewing, identifying, verifying, screening, and matching data of the supply and demand sides And quality management and account management; supplier module, which is used to allow the service provider to register basic information, record the face image or voice sample as the identity, the language type of the native language and its tone, Service expertise and grades and verifiable information, time of willingness to serve regularly or irregularly, conditions of willingness to serve, conditions of charge, personal information that is willing to disclose, initial time of willingness to serve free, total transaction amount reaches a certain amount And if the demander is dissatisfied with the service, whether to accept the arbitration of the change fee, other information that helps the service, and the person who searches for the demand to actively open the waiting service; the demander module is used to make the service demand Log in to basic information, record voice or video samples as proof of identity, native language and their accents, requirements, required expertise and level, time required, provider prerequisites, willingness to pay, search for suppliers that meet your needs And actively open the waiting for services. In addition, the fee-receiving system is linked to the demand, so that the demander can pay far away.

本系統的交易標的屬智慧財產,其品質主要取決於供應者的 能力條件,所以供應者可公開自身的能力條件並設定收費單價,讓需求者一目了然應付成本,節省雙方議價時間。供應者可設定最初免費服務的分鐘數,讓需求者有免費試用之機會,以避免盲目交易。交易結束後,雙方可互給評價。交易過程中,若有不滿意,任一方可隨時片面中斷交易以終止計費。單方片面或雙方合意終止交易,會有不同的評價紀錄,也是日後被篩選為交易對象的選項之一。 The trading subject of this system belongs to intellectual property, and its quality mainly depends on the supplier's Capability conditions, so suppliers can disclose their own capabilities and set the unit price, so that the demander can pay the cost at a glance, saving both parties bargaining time. The supplier can set the number of minutes for the initial free service, giving the demander a free trial opportunity to avoid blind transactions. After the transaction is over, the two parties can give each other an evaluation. In the course of the transaction, if there is any dissatisfaction, either party may terminate the transaction unilaterally at any time to terminate the billing. Unilateral one-sided or both parties agree to terminate the transaction, there will be different evaluation records, and one of the options to be selected as trading objects in the future.

由於本系統的交易標的大都藉由語音或影像作服務,故在需 求模組與供應模組都有可輸入語音或人臉的辨識選項,作為驗證交易身分之用,以確保一帳號只有單一且同一使用者,可穩定服務品質,也提高評價制度的可信度,不似目前C To C網站的帳號,可以多人使用、臨時借人使用、永久換人使用,而使評價可信度降低。本系統亦接受不同意錄下語音或人臉辨識的使用者,但須於交易對象篩選表單中作標示。 Since the transaction target of this system is mostly served by voice or video, it is needed. Both the module and the supply module have the option to input voice or face as a verification transaction identity to ensure that an account has only a single user and the same user, which can stabilize the service quality and improve the credibility of the evaluation system. Unlike the current C To C website account, it can be used by multiple people, temporarily borrowed, and permanently replaced, which reduces the credibility of the evaluation. The system also accepts users who do not agree to record voice or face recognition, but must mark it in the transaction object screening form.

交易雙方可合意決定是否由主控模組側錄部分或全部的服 務過程。因涉及智慧財產權與個人資料,若一方不同意即不側錄。主控模組所側錄之資料,可作為處理雙方爭議之證據,如此可有效監督交易內容的品質。 Both parties to the transaction can agree to decide whether to preview some or all of the services by the master module. Business process. Because of the intellectual property rights and personal data involved, if one party does not agree, it will not be recorded. The information recorded by the main control module can be used as evidence to handle disputes between the two parties, thus effectively monitoring the quality of the transaction content.

為減少交易雙方對服務品質與費用代價認知不同之爭議,雙 方若事先同意由本系統側錄交易過程內容,且同意若有爭議時適用仲裁條款,則當真有相關爭議時,本系統所側錄之資料即為明確證據。 In order to reduce the dispute between the two parties on the difference between the quality of service and the cost of the transaction, If Party agrees in advance that the system will record the content of the transaction process and agrees to apply the arbitration clause in case of dispute, the information recorded by the system will be clear evidence when there is any relevant dispute.

本系統的評價制度,採細膩的多項、累計、加權平均評價制 度。例如一供給者有提供前三分鐘免費的中翻日服務、前十分鐘免費的中翻日服務、前十分鐘免費的Excel軟體操作指導服務等三種,其服務對象的母語有中國普通話北京腔與日語京都腔兩種,則本系統對該供應者的評價標示至少分為十八項:對中國需求者依前述三種服務就有三種評價,同情況對日本需求者也有三種,小計六項,另有前三分鐘免費案件、前十分鐘免費案件,對語文服務案件、對Excel軟體服務的案件共有四類,其中又分中、日兩種需求對象而小計有八項,再有對全體中國需求者與全體日本需求者服務的評價各一而小計二項,又有全體件數的評價一項、依收費時間加權計算的平均評價一項,總計十八項。 The system's evaluation system adopts a delicate multiple, cumulative and weighted average evaluation system. degree. For example, a supplier has three kinds of free mid-day service, the first ten minutes of free mid-day service, and the first ten minutes of free Excel software operation guidance service. The client's native language is Chinese Mandarin. There are two types of Japanese Kyoto, and the system's evaluation of the supplier is divided into at least 18 items: there are three kinds of evaluations for Chinese demanders according to the above three services, and three cases for Japanese demand, and six subtotals. There are free cases in the first three minutes and free cases in the first ten minutes. There are four types of cases for language service cases and services for Excel software. Among them, there are two kinds of demand objects in the middle and the Japanese, and eight subtotals, and there is demand for all of China. The evaluation of the services of all Japanese demanders is divided into two sub-items, and there is an evaluation of the total number of items, and an average evaluation based on the time-weighted calculation, totaling eighteen items.

11‧‧‧主控模組 11‧‧‧Master Module

12‧‧‧供應者模組 12‧‧‧Supplier Module

13‧‧‧需求者模組 13‧‧‧ Demander Module

2‧‧‧費用收支系統 2‧‧‧ Expenses and Payments System

3‧‧‧資料傳輸平台 3‧‧‧ Data Transfer Platform

第一圖是本系統之實施架構圖。 The first figure is the implementation architecture diagram of the system.

主控模組(11)、供應者模組(12)、需求者模組(13),並連結資料傳輸平台(2)與費用收支系統(3)。 The main control module (11), the supplier module (12), the demander module (13), and the data transmission platform (2) and the fee revenue and expenditure system (3).

建置如前揭發明內容【004】段的主控模組、供給者模組、需求者模組後,主控模組對於供給、需求雙方的條件作搓合後,需求者同意以遠距方式付費,供給者開始在網路線上為需求者作服務,服務結束後,本系統將需求者所付費用,保留服務費後將餘數付給供給者。 After the main control module, the supplier module, and the demander module of the [004] section of the invention are built, the main control module combines the conditions of the supply and demand sides, and the demander agrees to use the remote mode. After payment, the supplier starts to serve the demander on the network line. After the service is over, the system will pay for the demander, and the remaining fee will be paid to the supplier after the service fee is reserved.

本系統檢視登錄交易者的人臉或聲音樣本,與實際交易過程 中的交易者之特徵相符程度。當相似程度低於某設定值時,即提出警告。 The system examines the face or sound sample of the registered trader, and the actual transaction process The characteristics of the traders in the match. When the degree of similarity is lower than a certain set value, a warning is issued.

交易雙方可事先合意約定費用仲裁條款,以預作處理付費爭議之準備。 Both parties to the transaction may agree in advance to agree on the fee arbitration clause in order to prepare for the payment of the dispute.

模擬服務案例一,即時翻譯服務:某甲入境他國,無法明確表達當地官員對行李內可疑物品之詢問,唯恐違反該國法律,急需翻譯協助。甲進入本系統,篩選通曉自己母語與當地語言的翻譯供給者有一百人,再篩選出有該被懷疑物品相關專業者三人,再篩選出價格可接受者一人,點選同意交易後,供給者便藉由甲之手機,與當地官員作即時翻譯。 Simulation service case one, instant translation service: A certain entry into another country, can not clearly express the local officials' inquiries about suspicious items in the baggage, in case of violation of the country's laws, urgent need for translation assistance. A enters the system, and has 100 translators who are fluent in their native language and local language. Then, three people who have the relevant items related to the suspected item are selected, and one person with acceptable price is selected. After clicking the agreement, the supplier is selected. I used the mobile phone of A to make an instant translation with local officials.

模擬服務案例二,即時修車指導服務:某乙假日駕車於高速公路,突然發現儀表板的煞車燈異常亮起,車雖可繼續行駛,煞車也能正常運作,但怕會有危險,於是停在路邊,此時不知應叫拖吊服務,還是有人指導作簡易排除即可,因身邊無專業人士可協助而苦惱。乙進入本系統,篩選出具汽車修理專業的供給者,點選交易後,向供給者丙說明現場狀況,丙在電話中請乙開視訊鏡頭拍攝引擎室,觀察實際情況後,向乙說明,煞車燈是設計在煞車油不足時亮起,但所見煞車油仍足,煞車仍有作用,那表示可能僅是傳輸線問題,建議乙小心慢速行駛到附近修理廠檢修即可。如此由本系統促成的即時專家視訊指導協助,省去耗時費事的拖吊修理程序。此模式可以讓臨時須要特殊諮詢者,得到即時協助。 Simulation service case 2, instant car repair service: A B holiday driving on the highway, suddenly found that the dashboard lights are abnormally lit, although the car can continue to drive, the car can also operate normally, but fear that there will be danger, so stop At the roadside, I don’t know if I should call the towing service at this time, or someone can guide me for simple elimination, because I can’t help without the help of professionals. B enters the system, selects the supplier who has the auto repair profession, clicks on the transaction, and tells the supplier C the situation on the spot. On the phone, please open the video camera to shoot the engine room. After observing the actual situation, explain to B. The lamp is designed to illuminate when the brake oil is insufficient. However, the brake oil is still sufficient, and the brakes still have a function. It means that it may only be a transmission line problem. It is recommended that you carefully drive to a nearby repair shop for maintenance. The instant expert video guidance assistance facilitated by the system eliminates the time-consuming and troublesome towing repair procedure. This mode allows for immediate assistance from special consultants.

模擬服務案例三,語言教學:丁是日裔英國人,透過本系統教日本人學英語。因為教學認真而評價高,學生漸多致難以負荷,於是商請朋友戊代為向新生己授課。本系統在戊己上課過程的檢驗機制,發現戊的聲紋並非登錄帳號的交易者,於是即時向己提出警告,並中止該次交易, 且警告丁在限時內若無合理解釋,將有停權之處分。 Simulation Service Case 3, Language Teaching: Ding is a Japanese-born Englishman who teaches Japanese to learn English through this system. Because the teaching is serious and the evaluation is high, the students are becoming more and more difficult to load, so they ask the friend Wu Dai to teach the students. The system's inspection mechanism during the course of the class has found that the voiceprint of Wu is not a trader who logs in to the account, so he immediately warns himself and suspends the transaction. And warned that if there is no reasonable explanation within the time limit, there will be points of suspension.

模擬服務案例四,專業技術指導服務:庚公司的生產線故障,經國內多家廠商檢修皆找不出原因,透過本系統找到熟悉該生產線的外國技師辛,雙方約定的條件為:視訊指導每分鐘十美元,最初三十分鐘不計費、雙方同意本系統側錄全部指導過程、雙方同意適用不滿意服務的費用仲裁條款。庚在最初不計費的三十分鐘服務過程,相信辛的專業能力而同意以信用卡付費交易,後經辛指導四小時,該生產線故障排除,雙方合意終止服務與計費。如此庚付出二千四百美元便將生產線修復,比聘請外國技師到場檢修便宜且快速。但庚事後發現辛的指導過程中,有一小時是無關問題的檢視,疑似刻意拖延時間,而要求退還一小時的費用,但辛認為那是必要檢視,於是雙方依照仲裁條款,請公正第三方作裁決。 Simulation service case 4, professional technical guidance service: Geng company's production line failure, after many domestic manufacturers to repair can not find the reason, through this system to find the foreign technicians familiar with the production line Xin, the two parties agreed on the conditions: video guidance every minute Ten dollars, the first 30 minutes without billing, the two parties agree that the system will record all the guiding procedures, and the parties agree to apply the disqualification service fee arbitration clause. Geng in the initial 30-minute service process without billing, I believe Xin's professional ability and agreed to pay by credit card transaction, after four weeks of sympathy, the production line troubleshooting, both parties intend to terminate service and billing. Such a Geng pays $2,400 to repair the production line, which is cheaper and faster than hiring a foreign technician to attend the inspection. However, after the discovery of Xin’s guidance, one hour was an inspection of irrelevant issues. Suspected deliberately delaying the time and demanding a refund of one hour’s expenses. However, Xin believes that it is necessary to examine it. Therefore, in accordance with the arbitration clause, the two parties should ruling.

11‧‧‧主控模組 11‧‧‧Master Module

12‧‧‧供應者模組 12‧‧‧Supplier Module

13‧‧‧需求者模組 13‧‧‧ Demander Module

2‧‧‧資料傳輸平台 2‧‧‧Data Transfer Platform

3‧‧‧費用收支系統 3‧‧‧ Expenses and Payments System

Claims (3)

一種以影像、語音、圖、文作服務,且藉由網路傳輸的交易管理系統,包括主控模組、供應者模組、需求者模組、資料傳輸平台與費用收支系統;本系統至少設一紀錄交易者影像或語音之機制,作為品質管理之用。 A transaction management system that uses image, voice, picture, and text services and transmits over the network, including a main control module, a supplier module, a demander module, a data transmission platform, and a fee receipt and payment system; the system At least one mechanism for recording the image or voice of the trader is used as a quality management. 如申請專利範圍第1項所述紀錄交易者影像或語音之機制,包括交易者在交易前所作的人臉或聲紋辨識樣本登錄。 The mechanism for recording the image or voice of a trader as described in item 1 of the patent application, including the registration of a face or voiceprint identification made by the trader prior to the transaction. 如申請專利範圍第1項所述紀錄交易者影像或語音之機制,還包括在交易過程中紀錄部分或全部的影像或語音服務過程。 The mechanism for recording a trader's image or voice as described in claim 1 of the patent application also includes recording some or all of the image or voice service process during the transaction.
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